Method and device for in-vehicle payment

ABSTRACT

The present disclosure provides a method and device for in-vehicle payment. A face image of an in-vehicle user and a geographic location of the in-vehicle user are received at a point of a ride route traveled by a vehicle occupied by the in-vehicle user. An image set associated with the geographic location is received from an image database using the geographic location of the in-vehicle user. The image set includes face images of a plurality of users. The face image of the in-vehicle user is compared with face images in the image set to determine an identity of the in-vehicle user. A fare deduction account corresponding to the in-vehicle user is identified using the identity of the in-vehicle user. A fare corresponding to the ride route is deducted from the fare deduction account.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation of PCT Application No.PCT/CN2018/086276, filed on May 10, 2018, which claims priority toChinese Patent Application No. 201710333813.6, filed on May 12, 2017,and each application is hereby incorporated by reference in itsentirety.

TECHNICAL FIELD

The present disclosure relates to the field of network technologies, andin particular, to a method and device for in-vehicle payment.

BACKGROUND

With the rapid development of Internet technologies, the operation modeof the taxi industry is also changing. For example, when wanting to takea taxi, a user can use taxi hailing software to hail a taxi and makepayment after getting off the taxi. The taxi hailing software providesgreat convenience for traveling. However, the user needs to bring amobile phone or a wallet and install the taxi hailing software on themobile phone for operations related to taxi hailing and payment.Otherwise, it is not convenient to hail a taxi.

SUMMARY

In view of this, the present disclosure provides a method and device forin-vehicle payment so that it is more convenient to pay during travelingby vehicle.

The present disclosure is implemented by using the following technicalsolutions.

According to a first aspect, a method for in-vehicle payment isprovided, and the method includes the following: obtaining a face imageof an in-vehicle user and a geographic location of the in-vehicle userat an endpoint of a ride route; obtaining an image set associated withthe geographic location from an image database based on the geographiclocation, where the image set includes face images of a plurality ofusers; comparing the face image of the in-vehicle user with each faceimage in the image set to recognize the in-vehicle user's identity andobtain a fare deduction account corresponding to the in-vehicle user;and deducting a fare of a present ride from the fare deduction account.

According to a second aspect, a system for in-vehicle payment isprovided, and the system includes the following: a base disposed in avehicle used by a user; and a smart terminal device supported by thebase, where an application (app) for in-vehicle payment is installed onthe smart terminal device, and the app for in-vehicle payment is used toperform the method for in-vehicle payment described in the presentdisclosure.

According to a third aspect, a device for in-vehicle payment isprovided, and the device includes the following: a data acquisitionmodule, configured to obtain a face image of an in-vehicle user and ageographic location of the in-vehicle user at an endpoint of a rideroute; an image acquisition module, configured to obtain an image setassociated with the geographic location from an image database based onthe geographic location, where the image set includes face images of aplurality of users; an identity recognition module, configured tocompare the face image of the in-vehicle user with each face image inthe image set to recognize the in-vehicle user's identity and obtain afare deduction account corresponding to the in-vehicle user; and a farededuction module, configured to deduct a fare of a present ride from thefare deduction account.

According to the method and device for in-vehicle payment in the presentdisclosure, face recognition is performed on the in-vehicle user toobtain the user's identity and automatically deduct the fare. As such,it is more convenient to pay during traveling by vehicle. The fare canbe deducted even if the user does not bring a mobile phone and a wallet.

BRIEF DESCRIPTION OF DRAWINGS

FIG. 1 is diagram illustrating an application scenario of in-vehiclepayment, according to an implementation of the present disclosure;

FIG. 2 is a flowchart illustrating in-vehicle payment, according to animplementation of the present disclosure;

FIG. 3 is a schematic diagram illustrating a mobile phone disposingmethod, according to an implementation of the present disclosure;

FIG. 4 is a schematic diagram illustrating a base structure, accordingto an implementation of the present disclosure;

FIG. 5 is a schematic structural diagram illustrating a device forin-vehicle payment, according to an implementation of the presentdisclosure;

FIG. 6 is a schematic structural diagram illustrating a device forin-vehicle payment, according to an implementation of the presentdisclosure; and

FIG. 7 is a flowchart illustrating an example of a computer-implementedmethod for completing an in-vehicle payment, according to animplementation of the present disclosure.

DESCRIPTION OF IMPLEMENTATIONS

A method for in-vehicle payment provided in an example of the presentdisclosure can be applied, for example, to taxi fare payment.

A taxi is used as an example for description in the application scenarioshown in FIG. 1. An image collection device 12 can be disposed in a taxi11. The image collection device 12 has a camera. The camera can be usedto collect a face image of an in-vehicle user who takes the taxi. Theimage collection device 12 can transmit the obtained face image to aserver 13 at the back end. The server 13 performs processing based onthe face image and automatically deducts the fare of the present ride ofthe in-vehicle user.

FIG. 2 illustrates the flow of performing in-vehicle payment by theserver 13 in an example.

Step 201: Obtain a face image of an in-vehicle user and a geographiclocation of the in-vehicle user at an endpoint of a ride route.

For example, the image collection device 12 in FIG. 1 can not onlyobtain the face image of the in-vehicle user, but also locate thein-vehicle user to obtain the geographic location of the in-vehicle userat the endpoint of the ride route. The endpoint of the ride route herecan be the place where the user gets on the taxi or the place where theuser gets off the taxi.

In addition, the geographic location obtained by the server 13 in thepresent step can be obtained by the image collection device 12 throughpositioning or collected by another device by using another method,provided that the server 13 can obtain the location.

In an example, the image collection device 12 can be a smart terminaldevice such as a smartphone. The smartphone can be provided by thedriver of the taxi. The smartphone can be disposed to the passenger seatposition in the taxi so that the face image of the user who takes thetaxi can be collected in the position. FIG. 3 illustrates a mobile phonedisposing method. A smartphone 31 can be supported by a base 32. Thebase 32 is disposed in a certain position in the taxi, for example, theshelf in front of the passenger seat. In the present example, the cameraof the smartphone 31 can be used to collect the face image of thein-vehicle user.

As shown in FIG. 3, an application (app) for in-vehicle payment isinstalled on the smartphone 31. The app is equivalent to a clientsoftware of the app for in-vehicle payment. The client software cantransmit the collected face image to the server 13 at the back end. Inaddition, in an example, the base 32 can include amulti-degree-of-freedom clip module 33. The multi-degree-of-freedom clipmodule 33 can flexibly rotate under the control of the app forin-vehicle payment so that the camera of the smartphone can collect theface image of the in-vehicle user. For example, when identifying thatthe camera does not directly face the user's face, the app can controlthe multi-degree-of-freedom clip module 33 to rotate so that the faceimage can be better collected. In another example, themulti-degree-of-freedom clip module 33 can also have 0 degrees offreedom and be secured to a position facing the user's face at a mediumheight.

The app client software in the present step can further collect thegeographic location of the in-vehicle user at the endpoint of the rideroute. For example, when the user gets off the taxi, the app cantransmit the obtained geographic location to the server 13 at the backend. The server 13 can store the geographic location transmitted by theapp in association with the user's face image. References can be made tothe example shown in FIG. 1. Many people live a routine life from Mondayto Friday and get on and off vehicles in relatively stable locations.Therefore, it is easy to collect statistics about the locations.However, because many people get on and off vehicles in the samelocation, a plurality of face images correspond to the same geographiclocation. “Geographic location A—image set a” illustrated in FIG. 1indicates that a plurality of users get on and off vehicles ingeographic location A. Image set a includes face images of the pluralityof users. Similarly, “geographic location B—image set b” is anotherassociation relationship indicating that the users corresponding to theface images in image set b often get on and off vehicles in geographiclocation B.

Step 202: Obtain an image set associated with the geographic locationfrom an image database based on the geographic location, where the imageset includes face images of a plurality of users.

The image set can be obtained from a stored image database based on thegeographic location of the in-vehicle user as determined in step 201.That is, the users corresponding to the face images in the image setoften get on and off vehicles in the geographic location. In this case,the current in-vehicle user can be one of these users. The currentin-vehicle user′ identity can be recognized by using step 203.

Step 203: Compare the face image of the in-vehicle user with each faceimage in the image set to recognize the in-vehicle user's identity andobtain a fare deduction account corresponding to the in-vehicle user.

In the present step, the face recognition technology is used torecognize the face image of the current in-vehicle user from the imageset obtained in step 202. The face images in the image database can becollected when in-vehicle users register with the app for in-vehiclepayment in advance. In addition, the users can further associate theirpersonal information such as fare deduction accounts, ages, names, andoccupations with their face images during registration. In the presentstep, the face image of the current in-vehicle user can be recognizedfrom the image set, that is, the user's identity is learned, and thecorresponding fare deduction account is obtained, through face imagecomparison.

In an example, the geographic location of the in-vehicle user can belocated in more detail to reduce the quantity of images in the image setduring face image comparison in the present step and improve thecomparison efficiency. For example, when obtaining the geographiclocation of the in-vehicle user in step 201, the server can not onlyreceive the location sent by the APP, but also combine locationinformation obtained by using another method. For example, there can besome network access points such as Bluetooth and Wi-Fi around the placewhere the in-vehicle user gets on and off the taxi. The user's smartterminal device can connect to these network access points. The user'ssmart terminal device or the network access points reports or reportconnection information to the server. Based on the locations of thenetwork access points connected to the smart terminal device, the serverassists the app in locating the user to determine the geographiclocation of the user when the user uses the taxi. The geographicallocation determined in this way is more detailed. The locations of thenetwork access points can be in a predetermined range around theendpoint of the ride route, for example, in a range with a diameter of200 meters around the place where the user gets on the taxi. Thelocation in more detail reduces the quantity of images in the image setand improves the face recognition efficiency. Correspondingly, the faceimages in the image database can be stored in association with moredetailed geographic locations. It is worthwhile to note that the smartterminal device of the in-vehicle user, for example, the user's mobilephone, belongs to the in-vehicle user. The in-vehicle smart terminaldevice in the present example, for example, the smartphone 31 supportedby the base 32 in FIG. 3 does not belong to the in-vehicle user and canbe a mobile phone provided by the driver. The two smart terminal devicesare different.

Step 204: Deduct the fare of the present ride from the fare deductionaccount.

In the present step, the fare can be deducted from the user's farededuction account. In addition, a password-free payment with a limit canbe made because the taxi fare is not very high. In an example, a paymentcan be made by using a password if the user wants to authorize the farededuction. In addition, some security measures can assist in thepayment. For example, the voiceprint of the in-vehicle user can becollected during password-free payment. When the collected voiceprint isconsistent with the voiceprint collected when the user registers inadvance, it is confirmed that the in-vehicle user is the user of thefare deduction account, and the password-free payment with a limit isallowed.

According to the method and device for in-vehicle payment in the presentexample, face recognition is performed on the in-vehicle user to obtainthe user's identity and automatically deduct the fare. As such, it ismore convenient to pay during traveling by vehicle. The fare can bededucted even if the user does not bring a mobile phone and a wallet.

In another example, the application of the present disclosure invehicles can be further enriched. For example, what shown in FIG. 3 canbe referred to as a system for in-vehicle payment. The system caninclude a base 32 disposed in a vehicle taken by a user and a smartterminal device 31 supported by the base 32. A client software of an appfor in-vehicle payment is installed on the smart terminal device 31. Theapp can perform the method for in-vehicle payment previously describedin the present disclosure.

For example, the base can be designed as shown in FIG. 4. The base caninclude the following modules: a power supply module 41, configured toextract 5 V direct-current power from a vehicle battery; a firstcharging module 42, connected to the power supply module 41 andconfigured to charge the smart terminal device on the base, where thesmart terminal device can be a smartphone secured on anN-degree-of-freedom clip module; and a second charging module 43,connected to the power supply module 41 and configured to charge anothersmart terminal device, where the another smart terminal device can be,for example, the in-vehicle user's smartphone, and the second chargingmodule 43 can include an insertion detection circuit that automaticallystarts charging when the user inserts a mobile phone. As such, the basecan function as a charger, facilitating charging for the user who takesthe taxi.

For another example, the smart terminal device can include an in-vehicleaudio control module 44, configured to push audio of the app forin-vehicle payment on the smartphone to a vehicle audio device 45. Aftergetting on the taxi, the user can order some music or videos on thesmartphone. The smartphone can use the in-vehicle audio control module44 to push the audio ordered by the user to the vehicle audio device 45for playing. For example, the in-vehicle audio control module 44 canpush the audio through FM transmission or Bluetooth to Aux IN. Thedesign enables the user to order and control the content played by thevehicle audio device. Compared with the conventional method ofcontrolling audio content by the driver, it provides better rideexperience for the user.

For another example, the collected face image of the in-vehicle user canbe fully utilized. As shown in FIG. 4, the server 13 at the back end canobtain a user attribute feature, such as the gender and age, of thein-vehicle user based on the face image, and push a correspondingadvertisement to the app based on the attribute feature. For example,the server can push cosmetics and clothes advertisements for femalepassengers and health-related advertisements for elderly passengers. Theadvertisement pushing method allows more accurate advertisement pushes.In addition, the advertisements played by the app can be superimposed onthe floating layer without affecting user entertainment.

As can be seen from the above, the system for in-vehicle payment in thepresent disclosure can be a system integrating payment andentertainment. The system can not only automatically complete farepayment by recognizing the face image, but also charge the in-vehicleuser's mobile phone and accurately push advertisements to the in-vehicleuser based on the recognized face image. In addition, the vehicle audiodevice can play the entertainment content ordered by the user. As such,the user can enjoy better ride experience.

Compared with the existing technology, on the one hand, the systemchanges the entertainment mode. There is no need to install a displayscreen behind the passenger seat, saving the cost and preventing hazardsto rear-seat passengers. Passengers can select entertainment contentthat they are interested in, improving the interest of the passengers intaking taxies. On the other hand, the existing method of playingadvertisements on the screen behind the passenger seat is not targeted,while according to the method in the present example, differentadvertisements can be pushed to different passengers based on collectedface images to achieve a better advertising effect. In addition, theuser does not need to perform complicated operations for payment. Theserver can collect the face image to recognize the user and performautomatic fare deduction.

An execution sequence of the steps in the procedure shown in FIG. 2 isnot limited to the sequence in the flowchart. In addition, descriptionsof steps can be implemented as a form of software, hardware, or acombination thereof. For example, a person skilled in the art canimplement the descriptions in a form of software code, and the code canbe a computer executable instruction that can implement logicalfunctions corresponding to the steps. When implemented in a softwareform, the executable instruction can be stored in a memory and executedby a processor in a device.

For example, the present disclosure simultaneously provides a devicecorresponding to the method. The device can include a processor and amemory. The processor and the memory usually connect to each other byusing an internal bus. In another possible implementation, the devicecan further include an external interface so that the device cancommunicate with another device or component. Further, the memory storescontrol logic for in-vehicle payment. A computer instruction is storedon the memory and can run on the processor. The processor is configuredto implement the control logic for in-vehicle payment by executing theinstruction. Logical modules divided based on functions from the controllogic can be in the structure shown in FIG. 5. As shown in FIG. 5, thedevice for in-vehicle payment can include a data acquisition module 51,an image acquisition module 52, an identity recognition module 53, and afare deduction module 54.

The data acquisition module 51 is configured to obtain a face image ofan in-vehicle user and a geographic location of the in-vehicle user atan endpoint of a ride route.

The image acquisition module 52 is configured to obtain an image setassociated with the geographic location from an image database based onthe geographic location, where the image set includes face images of aplurality of users.

The identity recognition module 53 is configured to compare the faceimage of the in-vehicle user with each face image in the image set torecognize the in-vehicle user's identity and obtain a fare deductionaccount corresponding to the in-vehicle user.

The fare deduction module 54 is configured to deduct the fare of thepresent ride from the fare deduction account.

In an example, the data acquisition module 51 is configured to obtainthe geographic location of the in-vehicle user at the endpoint of theride route, including obtaining a geographic location collected by anapp client software when the in-vehicle user gets on the vehicle, wherea smart terminal device that the app client software runs on is disposedinside the vehicle used by the in-vehicle user.

In an example, as shown in FIG. 6, the device can further include afeature acquisition module 55 and an advertisement pushing module 56.

The feature acquisition module 55 is configured to obtain a userattribute feature of the in-vehicle user based on the face image of thein-vehicle user.

The advertisement pushing module 56 is configured to push anadvertisement corresponding to the user attribute feature to the appclient software.

In an example, the data acquisition module 51 is configured to obtainthe geographic location of the in-vehicle user at the endpoint of theride route, including determining the geographic location of thein-vehicle user based on a location of a network access point connectedto a smart terminal device of the in-vehicle user, where the location ofthe network access point is in a predetermined range around the endpointof the ride route.

In addition, the password input procedure illustrated in FIG. 2 can beincluded in a computer readable storage medium. The medium stores amachine readable instruction corresponding to the control logic forin-vehicle payment. The medium can connect to a processing device thatexecutes the instruction. The instruction stored on the medium can beexecuted by the processing device. The machine readable instruction thatcorresponds to the control logic for in-vehicle payment and is stored onthe medium is used to perform the following operations: obtaining a faceimage of an in-vehicle user, and a geographic location of the in-vehicleuser at an endpoint of a ride route; obtaining an image set associatedwith the geographic location from an image database based on thegeographic location, where the image set includes face images of aplurality of users; comparing the face image of the in-vehicle user witheach face image in the image set to recognize the in-vehicle user'sidentity and obtain a fare deduction account corresponding to thein-vehicle user; and deducting the fare of the present ride from thefare deduction account.

In the present disclosure, the computer readable storage medium can havea plurality of forms. For example, in different examples, the machinereadable storage medium can be a random access memory (RAM), a volatilememory, a non-volatile memory, a flash memory, a storage drive (such asa hard disk drive), a solid-state drive, a storage disk of any type(such as an optical disc and a DVD), a similar storage medium, or acombination of these media. In a special case, the computer readablemedium can be alternatively paper or another suitable medium that can beused to print a program. Using these media, the programs can be obtainedelectronically (for example, optically scanned), compiled, interpreted,and processed in a suitable way, and then stored in a computer medium.

The devices or modules described in the previous implementations can beimplemented by a computer chip or an entity, or can be implemented by aproduct with a certain function. A typical implementation device is acomputer, and the computer can be a personal computer, a laptopcomputer, a cellular phone, a camera phone, an intelligent phone, apersonal digital assistant, a media player, a navigation device, anemail receiving and sending device, a game console, a tablet computer, awearable device, or any combination of these devices.

For ease of description, the previous device is described by dividingthe functions into various modules. Certainly, when the presentdisclosure is implemented, the functions of each module can beimplemented in one or more pieces of software and/or hardware.

In the implementations of the present application, biometric recognitioncan be used during fare deduction after the in-vehicle user's identityis determined, to ensure that the fare deduction is performed by theuser of the fare deduction account and further enhance the security ofthe user's fund. For example, the biometric recognition can be used totrigger a confirmation from the user for the fare deduction. Thebiometrics involved in the biometric recognition can include eyefeatures, voiceprints, fingerprints, palm prints, heartbeats, pulse,chromosome, DNA, bite marks, etc. The eye features can include iris,sclera, etc. For example, the user's voiceprint can be recognized, andthe fare is deducted when the voiceprint matches the pre-registeredvoiceprint.

The previous descriptions are merely example implementations of thepresent disclosure, but are not intended to limit the presentdisclosure. Any modification, equivalent replacement, or improvementmade without departing from the spirit and principle of the presentdisclosure should fall in the protection scope of the presentdisclosure.

FIG. 7 is a flowchart illustrating an example of a computer-implementedmethod 700 for completing an in-vehicle payment, according to animplementation of the present disclosure. For clarity of presentation,the description that follows generally describes method 700 in thecontext of the other figures in this description. However, it will beunderstood that method 700 can be performed, for example, by any system,environment, software, and hardware, or a combination of systems,environments, software, and hardware, as appropriate. In someimplementations, various steps of method 700 can be run in parallel, incombination, in loops, or in any order.

At 702, a face image of an in-vehicle user and a geographic location ofthe in-vehicle user are received at a point of a ride route traveled bya vehicle occupied by the in-vehicle user. For example, the imagecollection device 12 can obtain the face image of the in-vehicle userwhile the in-vehicle user is taking a taxi ride in the taxi 11. Theimage collection device 12 can also obtain the geographic location ofthe in-vehicle user. The image collection device 12 can be part of asmart terminal device of the in-vehicle user, for example, thesmartphone 31, which can be the user's mobile phone or a mobile phoneprovided by the driver of the taxi.

In some implementations, receiving the geographic location of thein-vehicle user can include receiving the geographic location collectedby an application (app) including client software when the in-vehicleuser is in the vehicle, where the app executes on a smart terminaldevice inside the vehicle occupied by the in-vehicle user. For example,an app used for in-vehicle payments can be installed on the smartphone31, which can be mounted on a base in the taxi. The app can collect thegeographic location of the in-vehicle user at any point of the rideroute.

In some implementations, receiving the geographic location of thein-vehicle user at the point of the ride route can include determiningthe geographic location of the in-vehicle user based on a location of anetwork access point connected to a smart terminal device of thein-vehicle user, where the location of the network access point iswithin a predetermined range of the point of the ride route. Forexample, network access points using Bluetooth and Wi-Fi technology canexist at or near places where the in-vehicle user gets on and off thetaxi 11. The user's (or driver's) smart terminal device can connect tothese network access points. The smart terminal device or the networkaccess points can report connection information to the server. Based onthe locations of the network access points connected to the smartterminal device, the server can assist the app in locating thein-vehicle user to determine the geographic location of the in-vehicleuser when the in-vehicle user uses the taxi 11. From 702, method 700proceeds to 704.

At 704, an image set associated with the geographic location is receivedfrom an image database using the geographic location of the in-vehicleuser, where the image set includes face images of a plurality of users.For example, the image acquisition module 52 can obtain an image setassociated with the geographic location from an image databaseaccessible through the server 13 based on the geographic location, wherethe image set includes face images of a plurality of users. The imageset can include face images of users, for example, who often usevehicles in the area of the geographic location. From 704, method 700proceeds to 706.

At 706, the face image of the in-vehicle user is compared with faceimages in the image set to determine an identity of the in-vehicle user.For example, the identity recognition module 53 can compare the faceimage of the in-vehicle user with each face image in the image set toidentify the in-vehicle user's identity. From 706, method 700 proceedsto 708.

At 708, a fare deduction account corresponding to the in-vehicle user isidentified using the identity of the in-vehicle user. As an example, theidentity recognition module 53 can use the identity of the in-vehicleuser to identify the fare deduction account corresponding to thein-vehicle user. From 708, method 700 proceeds to 710.

At 710, a fare corresponding to the ride route is deducted from the farededuction account. For example, the fare deduction module 54 can deductthe fare of the present ride from the fare deduction account of thein-vehicle user. In some implementations, the in-vehicle user canprovide a confirmation of the payment using biometrics, for example, eyefeatures, a voiceprint, a fingerprint, a palm print, a heartbeat orpulse, a deoxyribonucleic acid (DNA) sample, or bite marks. After 710,method 700 can stop.

In some implementations, method 700 can further include the presentationof advertisements to the in-vehicle user. For example, a user attributefeature of the in-vehicle user can be determined based on the face imageof the in-vehicle user. An advertisement relevant to the user attributefeature can be pushed to the app for presentation to the in-vehicleuser. The user attribute feature can be gender and age, for example, andthe advertisement that is selected for presentation can be selectedbased on the in-vehicle user's gender and age.

In some implementations, method 700 can further include storing thegeographic location in association with the face image of the in-vehicleuser. For example, a database accessible by the server 13 can storecoordinates of an area frequented by the user, or a point and radiusidentifying an area.

In some implementations, method 700 can further include the presentationof entertainment to the in-vehicle user. For example, entertainment canbe provided for presentation to the in-vehicle user. The advertisementcan be pushed to the app, where the advertisement can be superimposedonto the entertainment.

The present disclosure describes techniques for completing in-vehiclepayment, such as by riders of a taxi. For example, face recognition canbe performed on the in-vehicle user to obtain the user's identity andautomatically deduct the fare. The user's identity can be determined,for example, by comparing the face image of the user to images indatabase, including users known to take rides in the same geographicarea. The techniques can make in-vehicle payments more convenient forusers traveling by fare-based vehicles. An advantage is the ability todeduct a fare for a ride from the user's account even if the user doesnot bring a mobile phone or wallet.

Embodiments and the operations described in this specification can beimplemented in digital electronic circuitry, or in computer software,firmware, or hardware, including the structures disclosed in thisspecification or in combinations of one or more of them. The operationscan be implemented as operations performed by a data processingapparatus on data stored on one or more computer-readable storagedevices or received from other sources. A data processing apparatus,computer, or computing device may encompass apparatus, devices, andmachines for processing data, including by way of example a programmableprocessor, a computer, a system on a chip, or multiple ones, orcombinations, of the foregoing. The apparatus can include specialpurpose logic circuitry, for example, a central processing unit (CPU), afield programmable gate array (FPGA) or an application-specificintegrated circuit (ASIC). The apparatus can also include code thatcreates an execution environment for the computer program in question,for example, code that constitutes processor firmware, a protocol stack,a database management system, an operating system (for example anoperating system or a combination of operating systems), across-platform runtime environment, a virtual machine, or a combinationof one or more of them. The apparatus and execution environment canrealize various different computing model infrastructures, such as webservices, distributed computing and grid computing infrastructures.

A computer program (also known, for example, as a program, software,software application, software module, software unit, script, or code)can be written in any form of programming language, including compiledor interpreted languages, declarative or procedural languages, and itcan be deployed in any form, including as a stand-alone program or as amodule, component, subroutine, object, or other unit suitable for use ina computing environment. A program can be stored in a portion of a filethat holds other programs or data (for example, one or more scriptsstored in a markup language document), in a single file dedicated to theprogram in question, or in multiple coordinated files (for example,files that store one or more modules, sub-programs, or portions ofcode). A computer program can be executed on one computer or on multiplecomputers that are located at one site or distributed across multiplesites and interconnected by a communication network.

Processors for execution of a computer program include, by way ofexample, both general- and special-purpose microprocessors, and any oneor more processors of any kind of digital computer. Generally, aprocessor will receive instructions and data from a read-only memory ora random-access memory or both. The essential elements of a computer area processor for performing actions in accordance with instructions andone or more memory devices for storing instructions and data. Generally,a computer will also include, or be operatively coupled to receive datafrom or transfer data to, or both, one or more mass storage devices forstoring data. A computer can be embedded in another device, for example,a mobile device, a personal digital assistant (PDA), a game console, aGlobal Positioning System (GPS) receiver, or a portable storage device.Devices suitable for storing computer program instructions and datainclude non-volatile memory, media and memory devices, including, by wayof example, semiconductor memory devices, magnetic disks, andmagneto-optical disks. The processor and the memory can be supplementedby, or incorporated in, special-purpose logic circuitry.

Mobile devices can include handsets, user equipment (UE), mobiletelephones (for example, smartphones), tablets, wearable devices (forexample, smart watches and smart eyeglasses), implanted devices withinthe human body (for example, biosensors, cochlear implants), or othertypes of mobile devices. The mobile devices can communicate wirelessly(for example, using radio frequency (RF) signals) to variouscommunication networks (described below). The mobile devices can includesensors for determining characteristics of the mobile device's currentenvironment. The sensors can include cameras, microphones, proximitysensors, GPS sensors, motion sensors, accelerometers, ambient lightsensors, moisture sensors, gyroscopes, compasses, barometers,fingerprint sensors, facial recognition systems, RF sensors (forexample, Wi-Fi and cellular radios), thermal sensors, or other types ofsensors. For example, the cameras can include a forward- or rear-facingcamera with movable or fixed lenses, a flash, an image sensor, and animage processor. The camera can be a megapixel camera capable ofcapturing details for facial and/or iris recognition. The camera alongwith a data processor and authentication information stored in memory oraccessed remotely can form a facial recognition system. The facialrecognition system or one-or-more sensors, for example, microphones,motion sensors, accelerometers, GPS sensors, or RF sensors, can be usedfor user authentication.

To provide for interaction with a user, embodiments can be implementedon a computer having a display device and an input device, for example,a liquid crystal display (LCD) or organic light-emitting diode(OLED)/virtual-reality (VR)/augmented-reality (AR) display fordisplaying information to the user and a touchscreen, keyboard, and apointing device by which the user can provide input to the computer.Other kinds of devices can be used to provide for interaction with auser as well; for example, feedback provided to the user can be any formof sensory feedback, for example, visual feedback, auditory feedback, ortactile feedback; and input from the user can be received in any form,including acoustic, speech, or tactile input. In addition, a computercan interact with a user by sending documents to and receiving documentsfrom a device that is used by the user; for example, by sending webpages to a web browser on a user's client device in response to requestsreceived from the web browser.

Embodiments can be implemented using computing devices interconnected byany form or medium of wireline or wireless digital data communication(or combination thereof), for example, a communication network. Examplesof interconnected devices are a client and a server generally remotefrom each other that typically interact through a communication network.A client, for example, a mobile device, can carry out transactionsitself, with a server, or through a server, for example, performing buy,sell, pay, give, send, or loan transactions, or authorizing the same.Such transactions may be in real time such that an action and a responseare temporally proximate; for example an individual perceives the actionand the response occurring substantially simultaneously, the timedifference for a response following the individual's action is less than1 millisecond (ms) or less than 1 second (s), or the response is withoutintentional delay taking into account processing limitations of thesystem.

Examples of communication networks include a local area network (LAN), aradio access network (RAN), a metropolitan area network (MAN), and awide area network (WAN). The communication network can include all or aportion of the Internet, another communication network, or a combinationof communication networks. Information can be transmitted on thecommunication network according to various protocols and standards,including Long Term Evolution (LTE), 5G, IEEE 802, Internet Protocol(IP), or other protocols or combinations of protocols. The communicationnetwork can transmit voice, video, biometric, or authentication data, orother information between the connected computing devices.

Features described as separate implementations may be implemented, incombination, in a single implementation, while features described as asingle implementation may be implemented in multiple implementations,separately, or in any suitable sub-combination. Operations described andclaimed in a particular order should not be understood as requiring thatthe particular order, nor that all illustrated operations must beperformed (some operations can be optional). As appropriate,multitasking or parallel-processing (or a combination of multitaskingand parallel-processing) can be performed.

What is claimed is:
 1. A computer-implemented method for in-vehiclepayment, comprising: receiving a face image of an in-vehicle user and ageographic location of the in-vehicle user at a point of a ride routetraveled by a vehicle occupied by the in-vehicle user; receiving, froman image database using the geographic location of the in-vehicle user,an image set associated with the geographic location, wherein the imageset comprises face images of a plurality of users; comparing the faceimage of the in-vehicle user with face images in the image set todetermine an identity of the in-vehicle user; identifying, using theidentity of the in-vehicle user, a fare deduction account correspondingto the in-vehicle user; and deducting, from the fare deduction account,a fare corresponding to the ride route.
 2. The computer-implementedmethod of claim 1, wherein receiving the geographic location of thein-vehicle user comprises: receiving the geographic location collectedby an application (app) including client software when the in-vehicleuser is in the vehicle, wherein the app executes on a smart terminaldevice inside the vehicle occupied by the in-vehicle user.
 3. Thecomputer-implemented method of claim 2, further comprising: determininga user attribute feature of the in-vehicle user based on the face imageof the in-vehicle user; and pushing an advertisement relevant to theuser attribute feature to the app for presentation to the in-vehicleuser.
 4. The computer-implemented method of claim 1, wherein receivingthe geographic location of the in-vehicle user at the point of the rideroute comprises: determining the geographic location of the in-vehicleuser based on a location of a network access point connected to a smartterminal device of the in-vehicle user, wherein the location of thenetwork access point is within a predetermined range of the point of theride route.
 5. The computer-implemented method of claim 1, furthercomprising: storing the geographic location in association with the faceimage of the in-vehicle user.
 6. The computer-implemented method ofclaim 3, wherein the user attribute feature is one or more of a genderand an age.
 7. The computer-implemented method of claim 3, furthercomprising: providing, for presentation to the in-vehicle user,entertainment, wherein pushing the advertisement to the app includessuperimposing the advertisement onto the entertainment.
 8. Anon-transitory, computer-readable medium storing one or moreinstructions executable by a computer system to perform operationscomprising: receiving a face image of an in-vehicle user and ageographic location of the in-vehicle user at a point of a ride routetraveled by a vehicle occupied by the in-vehicle user; receiving, froman image database using the geographic location of the in-vehicle user,an image set associated with the geographic location, wherein the imageset comprises face images of a plurality of users; comparing the faceimage of the in-vehicle user with face images in the image set todetermine an identity of the in-vehicle user; identifying, using theidentity of the in-vehicle user, a fare deduction account correspondingto the in-vehicle user; and deducting, from the fare deduction account,a fare corresponding to the ride route.
 9. The non-transitory,computer-readable medium of claim 8, wherein receiving the geographiclocation of the in-vehicle user comprises: receiving the geographiclocation collected by an application (app) including client softwarewhen the in-vehicle user is in the vehicle, wherein the app executes ona smart terminal device inside the vehicle occupied by the in-vehicleuser.
 10. The non-transitory, computer-readable medium of claim 9, theoperations further comprising: determining a user attribute feature ofthe in-vehicle user based on the face image of the in-vehicle user; andpushing an advertisement relevant to the user attribute feature to theapp for presentation to the in-vehicle user.
 11. The non-transitory,computer-readable medium of claim 8, wherein receiving the geographiclocation of the in-vehicle user at the point of the ride routecomprises: determining the geographic location of the in-vehicle userbased on a location of a network access point connected to a smartterminal device of the in-vehicle user, wherein the location of thenetwork access point is within a predetermined range of the point of theride route.
 12. The non-transitory, computer-readable medium of claim 8,the operations further comprising: storing the geographic location inassociation with the face image of the in-vehicle user.
 13. Thenon-transitory, computer-readable medium of claim 10, wherein the userattribute feature is one or more of a gender and an age.
 14. Thenon-transitory, computer-readable medium of claim 10, the operationsfurther comprising: providing, for presentation to the in-vehicle user,entertainment, wherein pushing the advertisement to the app includessuperimposing the advertisement onto the entertainment.
 15. Acomputer-implemented system, comprising: one or more computers; and oneor more computer memory devices interoperably coupled with the one ormore computers and having tangible, non-transitory, machine-readablemedia storing one or more instructions that, when executed by the one ormore computers, perform one or more operations comprising: receiving aface image of an in-vehicle user and a geographic location of thein-vehicle user at a point of a ride route traveled by a vehicleoccupied by the in-vehicle user; receiving, from an image database usingthe geographic location of the in-vehicle user, an image set associatedwith the geographic location, wherein the image set comprises faceimages of a plurality of users; comparing the face image of thein-vehicle user with face images in the image set to determine anidentity of the in-vehicle user; identifying, using the identity of thein-vehicle user, a fare deduction account corresponding to thein-vehicle user; and deducting, from the fare deduction account, a farecorresponding to the ride route.
 16. The computer-implemented system ofclaim 15, wherein receiving the geographic location of the in-vehicleuser comprises: receiving the geographic location collected by anapplication (app) including client software when the in-vehicle user isin the vehicle, wherein the app executes on a smart terminal deviceinside the vehicle occupied by the in-vehicle user.
 17. Thecomputer-implemented system of claim 16, the operations furthercomprising: determining a user attribute feature of the in-vehicle userbased on the face image of the in-vehicle user; and pushing anadvertisement relevant to the user attribute feature to the app forpresentation to the in-vehicle user.
 18. The computer-implemented systemof claim 15, wherein receiving the geographic location of the in-vehicleuser at the point of the ride route comprises: determining thegeographic location of the in-vehicle user based on a location of anetwork access point connected to a smart terminal device of thein-vehicle user, wherein the location of the network access point iswithin a predetermined range of the point of the ride route.
 19. Thecomputer-implemented system of claim 15, the operations furthercomprising: storing the geographic location in association with the faceimage of the in-vehicle user.
 20. The computer-implemented system ofclaim 17, wherein the user attribute feature is one or more of a genderand an age.